Fake checks are becoming harder to spot, and scams often look convincing at first glance. This guide explains the most reliable ways to identify a fake check, what real checks should look like, and the red flags that people often miss. You will also learn how banks verify checks and why some fake checks are not caught immediately.
Why Fake Checks Are a Growing Problem
Scammers use high-resolution printers, digital templates, and realistic bank logos to create checks that look legitimate. Fraudsters rely on the fact that banks often accept checks first, then verify them later. This delay gives scammers time to take advantage of victims.
For more on verification delays, see Do Banks Verify Checks Immediately?.
How to Spot a Fake Check Quickly
Even high-quality fake checks have subtle errors. Here are the most important clues to look for.
1. Check the bank name and address
Fake checks often list incorrect bank names, outdated addresses, or generic-sounding institutions. Always compare the printed bank information with the bank’s official website.
2. Look at the check number
Legitimate checks use consistent numbering, while fake checks may start at 0001, use random sequences, or repeat numbers. A missing check number is always a red flag.
3. Examine the routing number
Routing numbers must match the correct bank and region. You can check routing numbers online through official bank directories. A mismatched or invalid routing number almost always indicates a fake check.
4. Feel the paper quality
Real checks use thick, textured security paper. Fake checks often feel smooth, thin, or glossy. If the paper feels like regular printer stock, it is likely fake.
5. Look for missing security features
- Microprinting along the signature line
- Watermarks visible when held to light
- Security screen or pattern on the back
- Special font or ink for certain fields
If a check lacks multiple security features, treat it with caution.
6. Check for smudges or inkjet printing
Many fake checks are printed on home inkjet printers. Look for streaks of ink, uneven coloring, or blurry edges. Legitimate checks use MICR magnetic ink, which has sharp and consistent lines.
7. Look for mismatched fonts or formatting
Scammers often mix fonts, sizes, and spacing. If anything looks uneven or inconsistent, the check may be altered or fake.
Real Examples of Fake Check Red Flags
Here are common examples of fake check giveaways.
- A cashier’s check with no watermark
- A payroll check with a mismatched company name
- A refund check with the wrong routing number for the bank listed
- A check with ink that smears when lightly rubbed
- A check amount typed in a different font than the rest of the document
- A signature that looks photocopied instead of signed
Fake Check Scams You Should Know
Most fake checks are used in common scam patterns. Knowing these scams helps you avoid falling victim.
Overpayment scams
The scammer sends you a check for too much money and asks you to send back the difference before the check clears.
Prize or sweepstakes checks
You receive a check claiming you won a prize, but you must pay fees or taxes first. Legitimate prizes do not require upfront payments.
Secret shopper scams
Victims receive a check to evaluate a store or service, then are instructed to send back a portion of the funds. These checks are almost always fake.
Job or work-from-home scams
Fake employers send checks for supplies or training and ask for part of the money to be returned. Legitimate employers do not operate this way.
What To Do If You Suspect a Fake Check
Never cash or deposit a check you are unsure about. Instead, take the following steps.
- Call the bank listed on the check using the phone number from their official website
- Ask the bank to verify the routing number and account number
- Show the check to your own bank before depositing
- Request written proof if someone claims a check is legitimate
- Do not send money back to anyone until the check clears
To understand why banks sometimes delay clearance, see How Bank Check Holds Work.
People Also Ask
Can a bank tell right away if a check is fake?
No. Banks often detect fake checks only after verification, which may take several days.
What happens if I deposit a fake check?
Your bank will reverse the funds, and you may be responsible for any money spent. Your account may also be flagged.
Do fake checks always bounce?
Yes. Fake checks are always rejected once the paying bank confirms there are no matching funds or the account is invalid.
Can mobile deposit catch fake checks?
Sometimes. Mobile deposit systems check for obvious errors, but many fake checks still require full verification.
Are cashier’s checks safer?
Cashier’s checks are harder to fake, but high-quality counterfeit versions still exist. Always verify suspicious checks with the issuing bank.
People Also Search For
- How to verify a check before depositing
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- How to avoid check scams
- How fake cashier’s checks work
- How to check routing numbers
- How to avoid overpayment scams
- How to confirm a bank check is real
- Why mobile deposits get rejected
- How long checks take to clear
- What to do if a check bounces
Conclusion
Fake checks can look convincing, but there are always signs if you know what to look for. By checking security features, verifying bank information, and watching for common scam patterns, you can protect yourself from costly fraud. When in doubt, verify the check before depositing to avoid risk.